Ms Jacqueline Thornton:

That is fair. We work very closely with our members on the life side in respect of the underwriting criteria and issues that tend to come up, whether that is, as the Deputy mentioned, historic eating disorders or anything else. It is important to note that even if there are issues, conditions or risks that have an impact on a person's ability to obtain life cover, the exemption exists. It is to be hoped that we are not in a position whereby people are afraid to look after their mental health because it may have an impact on their ability to own their own home. That is why the exemption exists. If there is a condition, treatment, etc. that may exceed the risk acceptance level of any insurer, that is why the exemption exists. It is there to try to ensure that individuals who are affected will still have the opportunity to own his or her home at a later date.